Loans Agri

UBL Agriculture Finance

Farm Loans

Production Loan

Financing is available for Major and Minor crops across Pakistan. Main purpose of financing is to facilitate farmers to purchase Agri Inputs such as Seeds, Fertilizers, Pesticides, Sprayers, hired labor etc.

NIACF (Revolving Credit Scheme)

  • Loan Tenure 3 years
  • Documentation once for 3 years.
  • Cleanup once a year
  • Option for the farmer to use limit as per requirement
  • Markup is charged on amount used or withdrawn
  • Minimum Amount PKR 30,000
  • Maximum Amount as per requirement of the farmer

NIADF (Demand Finance Production)

  • Loan Tenure 3 months to 1 year
  • 18 months for Sugar cane only
  • Lump sum disbursement of the limit for a specified period.
  • Repayment of loan in bullet payment on maturity (Principal and markup).
  • Minimum Amount PKR 30,000
  • Maximum Amount as per requirement of Farmer

Development Loan

Land Development, Equipments and Machinery

Financing for Land Improvement, Water course improvement, Tube wells, Lift pumps, Deep turbine pumps, Cotton pickers, Godown, Cold Storage, Harvester, Thresher, etc

  • Loan Tenure 1 to 5 years
  • Lump sum disbursement of the limit for a specified period.
  • Repayment in installments (Principal with markup).
  • Repayment mode monthly, quarterly and half yearly
  • Minimum Amount PKR 30,000
  • Maximum Amount as per requirement of Farmer

Tractor & Vehicle Finance

To purchase Tractors, Delivery Vans, Mini Trucks, Motor Cycle and other vehicles used for marketing Agri Products

  • Loan Tenure
  • 1 to 3 years for Motor Cycle
  • 1 to 7 years for Tractor
  • 1 to 5 years for other 4 wheel vehicles
  • Lump sum disbursement of the limit for a specified period.
  • Repayment in installments (Principal with markup).
  • Repayment mode monthly, quarterly and half yearly
  • Minimum Amount PKR 100,000
  • Maximum Amount PKR 1,500,000

NonFarmLoans

Livestock Financing

Dairy Farming, Meat Farming, Fattening of Animals, Rearing of Animals, Construction of Sheds, Milk storage tanks, acquire and establish modern and efficient livestock facilities.

  • Loan Tenure 1 to 5 years
  • Monthly / Quarterly repayment mode for Dairy Farmers
  • Monthly / Quarterly / Half Yearly repayment mode for Meat Farmers
  • Minimum Amount PKR 50,000
  • Maximum Amount as per requirement

Poultry Farm structure and equipments, Hatchery farm structure and equipments, Feed Mills, Purchase of Chicks, Feed, Medicines, Storage tanks, Cold storage, Construction of shed, etc.

  • Loan Tenure 1 to 5 years
  • Monthly / Quarterly repayment mode for all loans
  • Minimum Amount PKR 50,000
  • Maximum Amount as per requirement

Fisheries Financing

Fish seed, Fish feed, Manuring, Construction of pond, Curing and Dying by fishermen, etc.

SelectionCriteria

Eligibility

  • Should be a Pakistani & holding CNIC
  • Preferably an account holder of UBL
  • Permanent resident of the area
  • Should be Agri land owner
  • Self cultivator
  • Minimum 3 years experience in relevant field
  • Not a defaulter of any bank
  • Have repayment capacity
  • Able to produce proper securities / Passbooks / sureties

Collateral Requirement

  • Bank charge on Agri Land through Zarie Passbook
  • Mortgage of Rural / Urban property other than Agriculture Land
  • Hypothecation of Farm equipments with backup collateral
  • Join registration of Tractor / vehicle with backup collateral
  • Growers’ loans against continuing Guarantee of Agriculture processing units
  • Join registration of Tractor / vehicle with backup collateral
  • Liquid Securities (Defence Saving Certificates, National Saving Certificate, etc.)

Terms & conditions

  • Clean CIB
  • 1 to 3 years for Motor Cycle
  • Markup payment frequency quarterly / half yearly for working capital loan
  • Installment repayment frequency monthly / quarterly / half yearly / yearly for Term finance loans
  • Minimum landholding 10 acres for Tractor Financing
  • Equity for Tractor 10%
  • Equity for 4 wheelers except Tractor is 25%

Fore More information please visit UBL website

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